/* ===== Reset / base ===== */
*,
*::before,
*::after {
  box-sizing: border-box;
}

body {
  margin: 0;
  background: #f5f7fb;
  font-family: system-ui, -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, sans-serif;
  line-height: 1.5;
  color: #222;
}

.main {
  min-height: 60vh;
}

/* ===== Typography ===== */
h1, h2, h3 {
  font-family: inherit;
  color: #002060;
  margin-top: 0;
}

/* Keep hero headings white on dark backgrounds */
.hero-bg h1,
.lenders-hero h1,
.students-hero h1,
.faq-hero h1,
.contact-hero h1 {
  color: #ffffff;
}

/* ===== Logo ===== */
.logo {
  font-weight: 700;
  font-size: 1.2rem;
  color: #002060;
}

.logo-lend {
  color: #fff;
}

.logo-app {
  color: #FFC000;
}

/* ===== Header and navigation ===== */
.site-header {
  display: flex;
  align-items: center;
  justify-content: space-between;
  padding: 0.7rem 1.3rem;
  background: #002060;
  box-shadow: 0 2px 6px rgba(0, 16, 49, 0.3);
  position: sticky;
  top: 0;
  z-index: 50;
}

.site-nav {
  display: flex;
  gap: 1.1rem;
  align-items: center;
}

.site-nav a {
  font-size: 0.95rem;
  color: #ffffff;
  text-decoration: none;
}

.site-nav a:hover {
  color: #FFC000;
}

/* Mobile nav toggle */
.nav-toggle {
  display: none;
  background: #ffffff;
  border: none;
  border-radius: 6px;
  padding: 0.1rem 0.55rem;
  font-size: 1.3rem;
  color: #002060;
  cursor: pointer;
}

/* ===== Buttons ===== */
.btn {
  border-radius: 999px;
  padding: 0.5rem 1.3rem;
  font-weight: 600;
  font-size: 0.95rem;
  cursor: pointer;
  display: inline-block;
  text-align: center;
}

.btn-accent {
  background: #FFC000;
  color: #002060;
  border: none;
}

.btn-accent:hover {
  background: #e6ac00;
}

.btn-outline {
  border: 2px solid #ffffff;
  color: #ffffff;
  background: transparent;
}

.btn-outline:hover {
  background: #ffffff;
  color: #002060;
}

.btn-block {
  width: 100%;
}

/* ===== Forms and inputs ===== */
input,
textarea {
  border-radius: 8px;
  border: 1px solid #ccd3e5;
  padding: 0.4rem 0.55rem;
  font-size: 0.95rem;
  font-family: inherit;
}

input:focus,
textarea:focus {
  outline: 2px solid #FFC000;
  outline-offset: 1px;
  border-color: #FFC000;
}

/* ===== Home hero ===== */
.hero-bg {
  min-height: 88vh;
  width: 100vw;
  display: flex;
  align-items: center;
  justify-content: center;
  background-color: #002060;
  background-image: linear-gradient(rgba(0,32,96,0.67), rgba(0,32,96,0.48)), url('images/hero-bg.jpg');
  background-size: cover;
  background-position: center center;
  background-repeat: no-repeat;
  position: relative;
}

.hero-columns {
  display: flex;
  max-width: 1200px;
  width: 100%;
  gap: 3rem;
  justify-content: space-between;
  align-items: flex-start;
  padding: 3.5rem 2rem 2rem 2rem;
}

.hero-left {
  flex: 2 1 390px;
  min-width: 0;
  color: #fff;
}

.hero-right {
  flex: 1.2 1 370px;
  min-width: 0;
  display: flex;
  align-items: flex-start;
  justify-content: center;
}

.hero-eyebrow {
  text-transform: uppercase;
  letter-spacing: 0.16em;
  font-size: 0.9rem;
  color: #ffe969;
  font-weight: 600;
  padding-bottom: 0.7rem;
}

.cta-buttons {
  margin-top: 1.1rem;
  display: flex;
  gap: 1.2rem;
  flex-wrap: wrap;
}

/* Home calculator card */
.card.calculator-card {
  background: #fff;
  color: #222;
  border-radius: 18px;
  box-shadow: 0 4px 24px rgba(0,16,49,0.2);
  padding: 2rem 1.4rem 1.3rem 1.4rem;
  max-width: 360px;
  width: 100%;
}

.card.calculator-card h2 {
  font-size: 1.17rem;
  color: #002060;
}

/* ===== Footer ===== */
footer {
  text-align: center;
  font-size: 0.85rem;
  color: #fff;
  padding: 1.2rem 1rem 1.6rem 1rem;
  background: #002060;
}

/* ===== Responsive behaviour ===== */
@media (max-width: 900px) {
  .hero-columns {
    flex-direction: column;
    padding: 2rem 0.9rem;
    gap: 1.6rem;
  }

  .hero-left h1 {
    font-size: 1.6rem;
    line-height: 1.25;
  }

  .hero-left p {
    font-size: 1rem;
  }

  .hero-right,
  .card.calculator-card {
    margin: 0 auto;
  }
}

@media (max-width: 720px) {
  .nav-toggle {
    display: block;
  }

  .site-nav {
    position: absolute;
    right: 0;
    top: 100%;
    flex-direction: column;
    align-items: flex-start;
    background: #ffffff;
    padding: 0.6rem 1rem 0.8rem 1rem;
    box-shadow: 0 3px 10px rgba(0, 16, 49, 0.3);
    width: 100%;
    max-width: 260px;
    transform: translateY(-8px);
    opacity: 0;
    pointer-events: none;
    transition: opacity 0.18s ease, transform 0.18s ease;
  }

  body.nav-open .site-nav {
    opacity: 1;
    pointer-events: auto;
    transform: translateY(0);
  }

  .site-nav a {
    color: #002060;
    padding: 0.4rem 0;
    width: 100%;
  }

  .cta-buttons {
    justify-content: flex-start;
  }
}